Staten Island Bank & T C/O Icb Mortgage Lending & HMDA Data, 2004

In 2004, Staten Island Bank & T C/O Icb of Brooklyn, NY reported 14,378 mortgage applications totaling $2.6 billion, up 234% from 2003. The average application was for $180,574, and applicants reported an average income of $68,636. 61% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (891), San Diego-Carlsbad-San Marcos, CA (657) and Chicago-Naperville-Joliet, IL (618) (applications in parentheses).

Mortgage Company & Address Staten Island Bank & T C/O Icb
195 Montague Street
Brooklyn, NY 11201
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 14,378
Total Mortgage Loan Application Amount $2,596,300,000
Average Mortgage Loan Application Amount $180,574
Highest Mortgage Loan Application Amount $3,250,000
Average Applicant Income $68,636
Highest Applicant Income $4,171,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Staten Island Bank & T C/O Icb filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Staten Island Bank & T C/O Icb by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 838 $ 103,228,000 $ 123,183 $ 61,000
San Diego, California 657 $ 175,702,000 $ 267,430 $ 56,000
Los Angeles, California 584 $ 132,767,000 $ 227,340 $ 71,000
Cook, Illinois 381 $ 72,255,000 $ 189,645 $ 56,000
Sonoma, California 324 $ 85,582,000 $ 264,141 $ 86,000
Alameda, California 316 $ 86,475,000 $ 273,655 $ 73,000
King, Washington 314 $ 54,885,000 $ 174,792 $ 95,000
Pierce, Washington 284 $ 33,509,000 $ 117,989 $ 103,000
Santa Clara, California 244 $ 79,307,000 $ 325,028 $ 92,000
Riverside, California 205 $ 42,533,000 $ 207,478 $ 49,000
Contra Costa, California 200 $ 52,572,000 $ 262,860 $ 79,000
Middlesex, Massachusetts 188 $ 51,069,000 $ 271,643 $ 70,000
Salt Lake, Utah 183 $ 22,507,000 $ 122,989 $ 48,000
Sacramento, California 181 $ 31,065,000 $ 171,629 $ 87,000
Essex, Massachusetts 177 $ 35,791,000 $ 202,209 $ 50,000
Atlantic, New Jersey 146 $ 20,586,000 $ 141,000 $ 53,000
Providence, Rhode Island 139 $ 20,326,000 $ 146,230 $ 64,000
Marion, Indiana 135 $ 16,878,000 $ 125,022 $ 49,000
Snohomish, Washington 128 $ 19,045,000 $ 148,789 $ 71,000
Orange, California 114 $ 29,315,000 $ 257,149 $ 74,000
San Bernardino, California 112 $ 19,737,000 $ 176,223 $ 57,000
San Joaquin, California 107 $ 21,357,000 $ 199,598 $ 78,000
Broward, Florida 102 $ 18,592,000 $ 182,274 $ 80,000
Multnomah, Oregon 102 $ 11,498,000 $ 112,725 $ 73,000
Middlesex, New Jersey 95 $ 20,055,000 $ 211,105 $ 77,000
DuPage, Illinois 93 $ 17,431,000 $ 187,430 $ 54,000
Palm Beach, Florida 89 $ 19,079,000 $ 214,370 $ 106,000
Harris, Texas 89 $ 11,486,000 $ 129,056 $ 52,000
Ada, Idaho 87 $ 7,561,000 $ 86,908 $ 66,000
Norfolk, Massachusetts 83 $ 23,660,000 $ 285,060 $ 142,000
Suffolk, Massachusetts 81 $ 21,739,000 $ 268,382 $ 105,000
Mercer, New Jersey 81 $ 13,738,000 $ 169,604 $ 99,000
San Mateo, California 80 $ 26,646,000 $ 333,075 $ 89,000
Philadelphia, Pennsylvania 79 $ 8,282,000 $ 104,835 $ 67,000
Ventura, California 78 $ 20,322,000 $ 260,538 $ 125,000
Hudson, New Jersey 77 $ 14,002,000 $ 181,844 $ 90,000
Utah, Utah 76 $ 9,508,000 $ 125,105 $ 43,000
Essex, New Jersey 75 $ 15,013,000 $ 200,173 $ 91,000
Worcester, Massachusetts 74 $ 14,004,000 $ 189,243 $ 82,000
Plymouth, Massachusetts 72 $ 17,507,000 $ 243,152 $ 67,000
Pima, Arizona 71 $ 7,540,000 $ 106,197 $ 63,000
Sussex, New Jersey 71 $ 12,111,000 $ 170,577 $ 41,000
Rockingham, New Hampshire 70 $ 13,640,000 $ 194,857 $ 40,000
Ocean, New Jersey 70 $ 13,731,000 $ 196,157 $ 68,000
Travis, Texas 70 $ 11,462,000 $ 163,742 $ 65,000
Union, New Jersey 69 $ 13,047,000 $ 189,086 $ 89,000
Clark, Washington 65 $ 7,971,000 $ 122,630 $ 71,000
Hillsborough, New Hampshire 63 $ 8,250,000 $ 130,952 $ 53,000
Will, Illinois 61 $ 10,881,000 $ 178,377 $ 51,000
Bucks, Pennsylvania 61 $ 13,385,000 $ 219,426 $ 57,000
Monmouth, New Jersey 60 $ 15,360,000 $ 256,000 $ 77,000
Oakland, Michigan 58 $ 10,864,000 $ 187,310 $ 65,000
Montgomery, Pennsylvania 58 $ 10,876,000 $ 187,517 $ 52,000
Solano, California 56 $ 12,076,000 $ 215,642 $ 83,000
Dallas, Texas 55 $ 7,023,000 $ 127,690 $ 37,000
Pinal, Arizona 53 $ 5,714,000 $ 107,811 $ 72,000
Somerset, New Jersey 53 $ 12,460,000 $ 235,094 $ 78,000
Thurston, Washington 53 $ 6,840,000 $ 129,056 $ 50,000
San Francisco, California 49 $ 18,603,000 $ 379,653 $ 112,000
Suffolk, New York 48 $ 12,962,000 $ 270,041 $ 73,000
Fairfax, Virginia 48 $ 12,770,000 $ 266,041 $ 116,000
Stanislaus, California 47 $ 7,709,000 $ 164,021 $ 54,000
Hartford, Connecticut 47 $ 5,346,000 $ 113,744 $ 77,000
New Castle, Delaware 47 $ 6,122,000 $ 130,255 $ 58,000
Lake, Illinois 47 $ 10,101,000 $ 214,914 $ 60,000
Canyon, Idaho 46 $ 3,338,000 $ 72,565 $ 92,000
Bergen, New Jersey 46 $ 11,244,000 $ 244,434 $ 108,000
Denver, Colorado 45 $ 6,224,000 $ 138,311 $ 74,000
Hamilton, Indiana 45 $ 7,239,000 $ 160,866 $ 74,000
Barnstable, Massachusetts 44 $ 11,767,000 $ 267,431 $ 111,000
Montgomery, Maryland 43 $ 10,494,000 $ 244,046 $ 112,000
Lee, Florida 42 $ 4,481,000 $ 106,690 $ 54,000
Cape May, New Jersey 42 $ 10,181,000 $ 242,404 $ 105,000
Spokane, Washington 42 $ 3,670,000 $ 87,380 $ 55,000
Kane, Illinois 41 $ 6,999,000 $ 170,707 $ 71,000
Clackamas, Oregon 41 $ 5,236,000 $ 127,707 $ 61,000
Butte, California 40 $ 4,597,000 $ 114,925 $ 60,000
Miami-Dade, Florida 40 $ 5,644,000 $ 141,100 $ 70,000
Vanderburgh, Indiana 39 $ 4,026,000 $ 103,230 $ 57,000
Wayne, Michigan 39 $ 6,579,000 $ 168,692 $ 70,000
Queens, New York 39 $ 9,664,000 $ 247,794 $ 58,000
Placer, California 38 $ 7,670,000 $ 201,842 $ 92,000
Monroe, Indiana 38 $ 5,246,000 $ 138,052 $ 48,000
Washington, Oregon 38 $ 4,662,000 $ 122,684 $ 63,000
Arapahoe, Colorado 37 $ 8,366,000 $ 226,108 $ 77,000
New Haven, Connecticut 37 $ 4,242,000 $ 114,648 $ 63,000
Johnson, Indiana 37 $ 5,078,000 $ 137,243 $ 37,000
Kings, New York 37 $ 11,148,000 $ 301,297 $ 77,000
Hampden, Massachusetts 35 $ 3,559,000 $ 101,685 $ 55,000
Flathead, Montana 35 $ 4,911,000 $ 140,314 $ 79,000
Burlington, New Jersey 35 $ 5,838,000 $ 166,800 $ 64,000
Morris, New Jersey 35 $ 9,157,000 $ 261,628 $ 52,000
Prince George's, Maryland 34 $ 4,999,000 $ 147,029 $ 66,000
Lane, Oregon 34 $ 4,110,000 $ 120,882 $ 37,000
Strafford, New Hampshire 33 $ 5,923,000 $ 179,484 $ 48,000
Collin, Texas 33 $ 6,376,000 $ 193,212 $ 48,000
San Luis Obispo, California 32 $ 7,820,000 $ 244,375 $ 93,000
Fairfield, Connecticut 32 $ 13,692,000 $ 427,875 $ 179,000
Bristol, Massachusetts 32 $ 5,423,000 $ 169,468 $ 89,000
Tarrant, Texas 32 $ 4,597,000 $ 143,656 $ 58,000
El Dorado, California 31 $ 6,824,000 $ 220,129 $ 40,000
District of Columbia, District Of Columbia 31 $ 5,573,000 $ 179,774 $ 101,000
Johnson, Kansas 31 $ 5,421,000 $ 174,870 $ 24,000
Richmond, New York 31 $ 7,870,000 $ 253,870 $ 79,000
Chester, Pennsylvania 31 $ 5,381,000 $ 173,580 $ 61,000
McHenry, Illinois 30 $ 6,106,000 $ 203,533 $ 90,000
Passaic, New Jersey 30 $ 5,431,000 $ 181,033 $ 54,000
Nassau, New York 30 $ 8,883,000 $ 296,100 $ 157,000
Baltimore City, Maryland 29 $ 1,998,000 $ 68,896 $ 85,000
Camden, New Jersey 29 $ 4,390,000 $ 151,379 $ 88,000
Hamilton, Ohio 29 $ 4,151,000 $ 143,137 $ 58,000
Jefferson, Kentucky 28 $ 3,161,000 $ 112,892 $ 51,000
Baltimore, Maryland 28 $ 5,097,000 $ 182,035 $ 86,000
Williamson, Texas 28 $ 3,149,000 $ 112,464 $ 25,000
Adams, Colorado 27 $ 3,359,000 $ 124,407 $ 50,000
Hillsborough, Florida 27 $ 3,162,000 $ 117,111 $ 76,000
Virginia Beach, Virginia 27 $ 3,204,000 $ 118,666 $ 56,000
Yavapai, Arizona 26 $ 2,796,000 $ 107,538 $ 55,000
Denton, Texas 26 $ 4,053,000 $ 155,884 $ 76,000
Milwaukee, Wisconsin 26 $ 3,934,000 $ 151,307 $ 66,000
Monterey, California 25 $ 7,157,000 $ 286,280 $ 68,000
Douglas, Colorado 25 $ 3,893,000 $ 155,720 $ 81,000
Hendricks, Indiana 25 $ 3,689,000 $ 147,560 $ 46,000
Kent, Rhode Island 25 $ 4,030,000 $ 161,200 $ 67,000
Kern, California 24 $ 2,804,000 $ 116,833 $ 46,000
Merced, California 24 $ 4,108,000 $ 171,166 $ 265,000
Kent, Michigan 24 $ 3,204,000 $ 133,500 $ 30,000
Washoe, Nevada 24 $ 3,859,000 $ 160,791 $ 67,000
Montgomery, Ohio 24 $ 2,575,000 $ 107,291 $ 33,000
Washington, Rhode Island 24 $ 4,683,000 $ 195,125 $ 102,000
Mohave, Arizona 23 $ 2,263,000 $ 98,391 $ 40,000
Jefferson, Colorado 23 $ 3,061,000 $ 133,086 $ 61,000
Pinellas, Florida 23 $ 2,954,000 $ 128,434 $ 73,000
Allegheny, Pennsylvania 23 $ 1,642,000 $ 71,391 $ 37,000
Delaware, Pennsylvania 23 $ 3,231,000 $ 140,478 $ 98,000
Kitsap, Washington 23 $ 3,542,000 $ 154,000 $ 64,000
Anne Arundel, Maryland 22 $ 3,908,000 $ 177,636 $ 63,000
Hennepin, Minnesota 22 $ 4,666,000 $ 212,090 $ 57,000
Hunterdon, New Jersey 22 $ 7,216,000 $ 328,000 $ 89,000
Onondaga, New York 22 $ 1,546,000 $ 70,272 $ 66,000
Lancaster, Pennsylvania 22 $ 2,033,000 $ 92,409 $ 67,000
Bexar, Texas 22 $ 2,771,000 $ 125,954 $ 57,000
Mendocino, California 21 $ 5,233,000 $ 249,190 $ 44,000
York, Maine 21 $ 3,737,000 $ 177,952 $ 44,000
Cuyahoga, Ohio 21 $ 2,245,000 $ 106,904 $ 46,000
Franklin, Ohio 21 $ 2,067,000 $ 98,428 $ 71,000
Douglas, Nevada 20 $ 3,272,000 $ 163,600 $ 95,000
Albany, New York 20 $ 1,994,000 $ 99,700 $ 76,000
Westchester, New York 20 $ 6,360,000 $ 318,000 $ 123,000
Mecklenburg, North Carolina 20 $ 2,161,000 $ 108,050 $ 41,000
Davis, Utah 20 $ 2,508,000 $ 125,400 $ 38,000
Weber, Utah 20 $ 1,493,000 $ 74,650 $ 57,000
Prince William, Virginia 20 $ 4,848,000 $ 242,400 $ 88,000
Collier, Florida 19 $ 4,329,000 $ 227,842 $ 64,000
Bonneville, Idaho 19 $ 1,769,000 $ 93,105 $ 75,000
Vigo, Indiana 19 $ 915,000 $ 48,157 $ 59,000
Macomb, Michigan 19 $ 3,396,000 $ 178,736 $ 55,000
Douglas, Nebraska 19 $ 2,241,000 $ 117,947 $ 55,000
Lucas, Ohio 19 $ 1,898,000 $ 99,894 $ 52,000
Cumberland, Pennsylvania 19 $ 1,383,000 $ 72,789 $ 45,000
Fresno, California 18 $ 3,062,000 $ 170,111 $ 61,000
Marin, California 18 $ 5,388,000 $ 299,333 $ 84,000
Shasta, California 18 $ 2,539,000 $ 141,055 $ 59,000
Larimer, Colorado 18 $ 2,701,000 $ 150,055 $ 47,000
Jackson, Missouri 18 $ 2,315,000 $ 128,611 $ 17,000
Merrimack, New Hampshire 17 $ 2,749,000 $ 161,705 $ 34,000
Norfolk, Virginia 17 $ 1,293,000 $ 76,058 $ 89,000
Sarasota, Florida 16 $ 2,588,000 $ 161,750 $ 218,000
Cumberland, New Jersey 16 $ 1,288,000 $ 80,500 $ 76,000
Warren, New Jersey 16 $ 2,808,000 $ 175,500 $ 38,000
Monroe, Pennsylvania 16 $ 1,768,000 $ 110,500 $ 62,000
Northampton, Pennsylvania 16 $ 2,157,000 $ 134,812 $ 28,000
Rockingham, Virginia 16 $ 2,084,000 $ 130,250 $ 68,000
Erie, New York 15 $ 1,509,000 $ 100,600 $ 47,000
Berks, Pennsylvania 15 $ 1,493,000 $ 99,533 $ 49,000
Tooele, Utah 15 $ 1,413,000 $ 94,200 $ 17,000
Waukesha, Wisconsin 15 $ 3,069,000 $ 204,600 $ 83,000
Lake, California 14 $ 2,671,000 $ 190,785 $ 73,000
Tulare, California 14 $ 1,591,000 $ 113,642 $ 68,000
Windham, Connecticut 14 $ 1,943,000 $ 138,785 $ 51,000
Hancock, Indiana 14 $ 2,023,000 $ 144,500 $ 57,000
Lehigh, Pennsylvania 14 $ 1,426,000 $ 101,857 $ 31,000
York, Pennsylvania 14 $ 1,049,000 $ 74,928 $ 44,000
Hampton, Virginia 14 $ 1,708,000 $ 122,000 $ 52,000
Navajo, Arizona 13 $ 1,038,000 $ 79,846 $ 69,000
Napa, California 13 $ 3,627,000 $ 279,000 $ 79,000
New London, Connecticut 13 $ 1,472,000 $ 113,230 $ 42,000
Fulton, Georgia 13 $ 2,625,000 $ 201,923 $ 44,000
Kootenai, Idaho 13 $ 1,504,000 $ 115,692 $ 79,000
Boone, Indiana 13 $ 2,836,000 $ 218,153 $ 66,000
Lake, Indiana 13 $ 1,642,000 $ 126,307 $ 44,000
Sedgwick, Kansas 13 $ 1,205,000 $ 92,692 $ 22,000
Montgomery, Texas 13 $ 1,874,000 $ 144,153 $ 66,000
Cowlitz, Washington 13 $ 1,100,000 $ 84,615 $ 40,000
Yolo, California 12 $ 2,122,000 $ 176,833 $ 94,000
Litchfield, Connecticut 12 $ 1,502,000 $ 125,166 $ 109,000
Kent, Delaware 12 $ 1,002,000 $ 83,500 $ 62,000
Monroe, New York 12 $ 1,066,000 $ 88,833 $ 0
New York, New York 12 $ 8,183,000 $ 681,916 $ 201,000
Orange, New York 12 $ 2,237,000 $ 186,416 $ 53,000
Wake, North Carolina 12 $ 3,815,000 $ 317,916 $ 97,000
Warren, Ohio 12 $ 1,780,000 $ 148,333 $ 48,000
Deschutes, Oregon 12 $ 1,637,000 $ 136,416 $ 42,000
Luzerne, Pennsylvania 12 $ 1,149,000 $ 95,750 $ 45,000
Brazoria, Texas 12 $ 1,203,000 $ 100,250 $ 67,000
Mason, Washington 12 $ 1,165,000 $ 97,083 $ 74,000
Santa Cruz, California 11 $ 4,107,000 $ 373,363 $ 82,000
St. Lucie, Florida 11 $ 1,383,000 $ 125,727 $ 52,000
Tippecanoe, Indiana 11 $ 1,142,000 $ 103,818 $ 71,000
Gallatin, Montana 11 $ 1,773,000 $ 161,181 $ 60,000
Rockland, New York 11 $ 2,128,000 $ 193,454 $ 54,000
Jackson, Oregon 11 $ 1,506,000 $ 136,909 $ 104,000
Madison, Indiana 10 $ 861,000 $ 86,100 $ 49,000
Warrick, Indiana 10 $ 1,247,000 $ 124,700 $ 26,000
DeSoto, Mississippi 10 $ 1,191,000 $ 119,100 $ 0
Clark, Nevada 10 $ 2,793,000 $ 279,300 $ 119,000
Belknap, New Hampshire 10 $ 2,273,000 $ 227,300 $ 127,000
Gloucester, New Jersey 10 $ 1,921,000 $ 192,100 $ 68,000
Dutchess, New York 10 $ 1,672,000 $ 167,200 $ 45,000
Chesapeake, Virginia 10 $ 1,393,000 $ 139,300 $ 76,000
Whatcom, Washington 10 $ 1,147,000 $ 114,700 $ 35,000
Santa Barbara, California 9 $ 3,702,000 $ 411,333 $ 90,000
Tehama, California 9 $ 1,423,000 $ 158,111 $ 27,000
Sussex, Delaware 9 $ 1,144,000 $ 127,111 $ 54,000
Lake, Florida 9 $ 968,000 $ 107,555 $ 14,000
Orange, Florida 9 $ 1,444,000 $ 160,444 $ 90,000
Queen Anne's, Maryland 9 $ 1,404,000 $ 156,000 $ 85,000
Bay, Michigan 9 $ 662,000 $ 73,555 $ 87,000
Ramsey, Minnesota 9 $ 1,771,000 $ 196,777 $ 55,000
Rensselaer, New York 9 $ 1,207,000 $ 134,111 $ 39,000
Linn, Oregon 9 $ 924,000 $ 102,666 $ 43,000
Marion, Oregon 9 $ 804,000 $ 89,333 $ 75,000
Dauphin, Pennsylvania 9 $ 871,000 $ 96,777 $ 60,000
Fort Bend, Texas 9 $ 2,255,000 $ 250,555 $ 69,000
El Paso, Colorado 8 $ 1,073,000 $ 134,125 $ 69,000
Gwinnett, Georgia 8 $ 1,229,000 $ 153,625 $ 35,000
Morgan, Indiana 8 $ 958,000 $ 119,750 $ 38,000
Cumberland, Maine 8 $ 1,043,000 $ 130,375 $ 45,000
Lyon, Nevada 8 $ 1,289,000 $ 161,125 $ 50,000
Butler, Ohio 8 $ 1,050,000 $ 131,250 $ 81,000
Clermont, Ohio 8 $ 1,486,000 $ 185,750 $ 78,000
Rutherford, Tennessee 8 $ 815,000 $ 101,875 $ 10,000
Hays, Texas 8 $ 1,186,000 $ 148,250 $ 19,000
Grant, Washington 8 $ 693,000 $ 86,625 $ 91,000
Skagit, Washington 8 $ 1,021,000 $ 127,625 $ 22,000
Humboldt, California 7 $ 1,367,000 $ 195,285 $ 76,000
Imperial, California 7 $ 751,000 $ 107,285 $ 74,000
Tolland, Connecticut 7 $ 1,076,000 $ 153,714 $ 57,000
Kendall, Illinois 7 $ 1,086,000 $ 155,142 $ 56,000
LaSalle, Illinois 7 $ 878,000 $ 125,428 $ 34,000
Delaware, Indiana 7 $ 638,000 $ 91,142 $ 100,000
Jefferson, Louisiana 7 $ 759,000 $ 108,428 $ 0
Howard, Maryland 7 $ 1,919,000 $ 274,142 $ 118,000
Missoula, Montana 7 $ 670,000 $ 95,714 $ 42,000
Carroll, New Hampshire 7 $ 2,003,000 $ 286,142 $ 436,000
Cheshire, New Hampshire 7 $ 888,000 $ 126,857 $ 9,000
Bronx, New York 7 $ 1,657,000 $ 236,714 $ 59,000
Lincoln, Oregon 7 $ 1,147,000 $ 163,857 $ 57,000
Yamhill, Oregon 7 $ 726,000 $ 103,714 $ 59,000
Blair, Pennsylvania 7 $ 304,000 $ 43,428 $ 45,000
Richland, South Carolina 7 $ 656,000 $ 93,714 $ 11,000
Windham, Vermont 7 $ 823,000 $ 117,571 $ 56,000
Harrisonburg, Virginia 7 $ 794,000 $ 113,428 $ 41,000
Yakima, Washington 7 $ 610,000 $ 87,142 $ 40,000
Dane, Wisconsin 7 $ 838,000 $ 119,714 $ 14,000
Dodge, Wisconsin 7 $ 616,000 $ 88,000 $ 32,000
Jefferson, Alabama 6 $ 629,000 $ 104,833 $ 0
Nevada, California 6 $ 2,065,000 $ 344,166 $ 33,000
Sutter, California 6 $ 753,000 $ 125,500 $ 69,000
Boulder, Colorado 6 $ 892,000 $ 148,666 $ 61,000
Brevard, Florida 6 $ 691,000 $ 115,166 $ 45,000
Manatee, Florida 6 $ 723,000 $ 120,500 $ 7,000
Bannock, Idaho 6 $ 271,000 $ 45,166 $ 161,000
Kenton, Kentucky 6 $ 754,000 $ 125,666 $ 86,000
Frederick, Maryland 6 $ 1,772,000 $ 295,333 $ 110,000
Genesee, Michigan 6 $ 656,000 $ 109,333 $ 26,000
Ottawa, Michigan 6 $ 694,000 $ 115,666 $ 31,000
Dakota, Minnesota 6 $ 938,000 $ 156,333 $ 43,000
St. Charles, Missouri 6 $ 825,000 $ 137,500 $ 18,000
Lewis and Clark, Montana 6 $ 464,000 $ 77,333 $ 80,000
Schenectady, New York 6 $ 441,000 $ 73,500 $ 17,000
Onslow, North Carolina 6 $ 320,000 $ 53,333 $ 36,000
Columbia, Oregon 6 $ 595,000 $ 99,166 $ 54,000
Wasco, Oregon 6 $ 408,000 $ 68,000 $ 172,000
Adams, Pennsylvania 6 $ 615,000 $ 102,500 $ 41,000
Northumberland, Pennsylvania 6 $ 506,000 $ 84,333 $ 49,000
Beaufort, South Carolina 6 $ 1,376,000 $ 229,333 $ 150,000
Knox, Tennessee 6 $ 1,504,000 $ 250,666 $ 79,000
Hidalgo, Texas 6 $ 634,000 $ 105,666 $ 65,000
Webb, Texas 6 $ 498,000 $ 83,000 $ 23,000
Benton, Washington 6 $ 409,000 $ 68,166 $ 50,000
Island, Washington 6 $ 1,188,000 $ 198,000 $ 16,000
Lewis, Washington 6 $ 833,000 $ 138,833 $ 33,000
Yuma, Arizona 5 $ 655,000 $ 131,000 $ 39,000
Amador, California 5 $ 951,000 $ 190,200 $ 65,000
Madera, California 5 $ 438,000 $ 87,600 $ 51,000
San Benito, California 5 $ 950,000 $ 190,000 $ 19,000
Weld, Colorado 5 $ 836,000 $ 167,200 $ 86,000
Middlesex, Connecticut 5 $ 651,000 $ 130,200 $ 43,000
Duval, Florida 5 $ 596,000 $ 119,200 $ 54,000
Indian River, Florida 5 $ 1,944,000 $ 388,800 $ 155,000
Monroe, Florida 5 $ 1,875,000 $ 375,000 $ 216,000
Volusia, Florida 5 $ 729,000 $ 145,800 $ 62,000
Chatham, Georgia 5 $ 642,000 $ 128,400 $ 64,000
Clayton, Georgia 5 $ 552,000 $ 110,400 $ 10,000
Cobb, Georgia 5 $ 1,212,000 $ 242,400 $ 73,000
Gem, Idaho 5 $ 403,000 $ 80,600 $ 54,000
Jerome, Idaho 5 $ 615,000 $ 123,000 $ 27,000
Madison, Idaho 5 $ 707,000 $ 141,400 $ 123,000
Kosciusko, Indiana 5 $ 455,000 $ 91,000 $ 30,000
LaPorte, Indiana 5 $ 447,000 $ 89,400 $ 24,000
Lafayette, Louisiana 5 $ 803,000 $ 160,600 $ 45,000
Carroll, Maryland 5 $ 834,000 $ 166,800 $ 73,000
Harford, Maryland 5 $ 1,082,000 $ 216,400 $ 84,000
Livingston, Michigan 5 $ 1,110,000 $ 222,000 $ 60,000
Cass, Missouri 5 $ 646,000 $ 129,200 $ 14,000
Park, Montana 5 $ 1,780,000 $ 356,000 $ 88,000
Silver Bow, Montana 5 $ 251,000 $ 50,200 $ 38,000
Bernalillo, New Mexico 5 $ 564,000 $ 112,800 $ 94,000
Herkimer, New York 5 $ 444,000 $ 88,800 $ 19,000
Oneida, New York 5 $ 495,000 $ 99,000 $ 30,000
Oswego, New York 5 $ 471,000 $ 94,200 $ 18,000
Saratoga, New York 5 $ 976,000 $ 195,200 $ 79,000
Moore, North Carolina 5 $ 949,000 $ 189,800 $ 35,000
Greene, Ohio 5 $ 623,000 $ 124,600 $ 29,000
Lycoming, Pennsylvania 5 $ 275,000 $ 55,000 $ 38,000
Pike, Pennsylvania 5 $ 658,000 $ 131,600 $ 58,000
Davidson, Tennessee 5 $ 573,000 $ 114,600 $ 33,000
Shelby, Tennessee 5 $ 529,000 $ 105,800 $ 0
Bell, Texas 5 $ 586,000 $ 117,200 $ 43,000
Brazos, Texas 5 $ 440,000 $ 88,000 $ 13,000
Rockwall, Texas 5 $ 811,000 $ 162,200 $ 20,000
Taylor, Texas 5 $ 651,000 $ 130,200 $ 48,000
Summit, Utah 5 $ 826,000 $ 165,200 $ 149,000
Alexandria, Virginia 5 $ 735,000 $ 147,000 $ 178,000
Portsmouth, Virginia 5 $ 549,000 $ 109,800 $ 54,000
Chelan, Washington 5 $ 487,000 $ 97,400 $ 45,000
Grays Harbor, Washington 5 $ 405,000 $ 81,000 $ 39,000
Whitman, Washington 5 $ 616,000 $ 123,200 $ 61,000
Brown, Wisconsin 5 $ 616,000 $ 123,200 $ 12,000
Ozaukee, Wisconsin 5 $ 948,000 $ 189,600 $ 105,000
Coconino, Arizona 4 $ 705,000 $ 176,250 $ 59,000
Calaveras, California 4 $ 535,000 $ 133,750 $ 94,000
Glenn, California 4 $ 496,000 $ 124,000 $ 90,000
Plumas, California 4 $ 608,000 $ 152,000 $ 150,000
Eagle, Colorado 4 $ 1,654,000 $ 413,500 $ 221,000
Charlotte, Florida 4 $ 368,000 $ 92,000 $ 81,000
Marion, Florida 4 $ 341,000 $ 85,250 $ 84,000
Martin, Florida 4 $ 784,000 $ 196,000 $ 71,000
Polk, Florida 4 $ 438,000 $ 109,500 $ 46,000
Seminole, Florida 4 $ 586,000 $ 146,500 $ 28,000
Henry, Georgia 4 $ 685,000 $ 171,250 $ 28,000
Twin Falls, Idaho 4 $ 357,000 $ 89,250 $ 108,000
Bartholomew, Indiana 4 $ 567,000 $ 141,750 $ 63,000
Henry, Indiana 4 $ 422,000 $ 105,500 $ 79,000
Porter, Indiana 4 $ 656,000 $ 164,000 $ 33,000
Posey, Indiana 4 $ 409,000 $ 102,250 $ 63,000
Wayne, Indiana 4 $ 305,000 $ 76,250 $ 40,000
Boone, Kentucky 4 $ 361,000 $ 90,250 $ 45,000
Campbell, Kentucky 4 $ 348,000 $ 87,000 $ 73,000
Fayette, Kentucky 4 $ 487,000 $ 121,750 $ 26,000
St. Tammany, Louisiana 4 $ 410,000 $ 102,500 $ 9,000
Hampshire, Massachusetts 4 $ 576,000 $ 144,000 $ 79,000
Arenac, Michigan 4 $ 172,000 $ 43,000 $ 27,000
Gladwin, Michigan 4 $ 417,000 $ 104,250 $ 49,000
Ingham, Michigan 4 $ 561,000 $ 140,250 $ 63,000
Lapeer, Michigan 4 $ 702,000 $ 175,500 $ 84,000
Monroe, Michigan 4 $ 658,000 $ 164,500 $ 104,000
Washtenaw, Michigan 4 $ 826,000 $ 206,500 $ 72,000
Anoka, Minnesota 4 $ 723,000 $ 180,750 $ 69,000
Washington, Minnesota 4 $ 794,000 $ 198,500 $ 88,000
Hinds, Mississippi 4 $ 424,000 $ 106,000 $ 8,000
Clay, Missouri 4 $ 503,000 $ 125,750 $ 20,000
St. Louis, Missouri 4 $ 382,000 $ 95,500 $ 53,000
Salem, New Jersey 4 $ 484,000 $ 121,000 $ 66,000
Fairfield, Ohio 4 $ 721,000 $ 180,250 $ 55,000
Josephine, Oregon 4 $ 478,000 $ 119,500 $ 24,000
Beaver, Pennsylvania 4 $ 212,000 $ 53,000 $ 0
Clinton, Pennsylvania 4 $ 311,000 $ 77,750 $ 49,000
Snyder, Pennsylvania 4 $ 387,000 $ 96,750 $ 54,000
Horry, South Carolina 4 $ 234,000 $ 58,500 $ 216,000
York, South Carolina 4 $ 461,000 $ 115,250 $ 22,000
Galveston, Texas 4 $ 380,000 $ 95,000 $ 44,000
Guadalupe, Texas 4 $ 444,000 $ 111,000 $ 14,000
Loudoun, Virginia 4 $ 1,064,000 $ 266,000 $ 84,000
Newport News, Virginia 4 $ 383,000 $ 95,750 $ 17,000
Spotsylvania, Virginia 4 $ 788,000 $ 197,000 $ 68,000
Stafford, Virginia 4 $ 646,000 $ 161,500 $ 78,000
Suffolk, Virginia 4 $ 572,000 $ 143,000 $ 64,000
Clallam, Washington 4 $ 339,000 $ 84,750 $ 33,000
Okanogan, Washington 4 $ 392,000 $ 98,000 $ 35,000
Berkeley, West Virginia 4 $ 428,000 $ 107,000 $ 86,000
Fond du Lac, Wisconsin 4 $ 339,000 $ 84,750 $ 100,000
Washington, Wisconsin 4 $ 599,000 $ 149,750 $ 37,000
Madison, Alabama 3 $ 333,000 $ 111,000 $ 0
Santa Cruz, Arizona 3 $ 225,000 $ 75,000 $ 62,000
Miller, Arkansas 3 $ 319,000 $ 106,333 $ 22,000
Pulaski, Arkansas 3 $ 225,000 $ 75,000 $ 8,000
Kings, California 3 $ 437,000 $ 145,666 $ 76,000
Mono, California 3 $ 647,000 $ 215,666 $ 273,000
Yuba, California 3 $ 382,000 $ 127,333 $ 0
La Plata, Colorado 3 $ 438,000 $ 146,000 $ 70,000
Pasco, Florida 3 $ 257,000 $ 85,666 $ 88,000
Santa Rosa, Florida 3 $ 260,000 $ 86,666 $ 20,000
DeKalb, Georgia 3 $ 326,000 $ 108,666 $ 33,000
Boise, Idaho 3 $ 270,000 $ 90,000 $ 30,000
Caribou, Idaho 3 $ 231,000 $ 77,000 $ 49,000
Elmore, Idaho 3 $ 237,000 $ 79,000 $ 92,000
Idaho, Idaho 3 $ 196,000 $ 65,333 $ 40,000
Payette, Idaho 3 $ 238,000 $ 79,333 $ 48,000
Boone, Illinois 3 $ 428,000 $ 142,666 $ 44,000
Grundy, Illinois 3 $ 495,000 $ 165,000 $ 49,000
Kankakee, Illinois 3 $ 653,000 $ 217,666 $ 67,000
McLean, Illinois 3 $ 347,000 $ 115,666 $ 26,000
Allen, Indiana 3 $ 325,000 $ 108,333 $ 52,000
Clark, Indiana 3 $ 365,000 $ 121,666 $ 55,000
Greene, Indiana 3 $ 216,000 $ 72,000 $ 28,000
Montgomery, Indiana 3 $ 273,000 $ 91,000 $ 51,000
Owen, Indiana 3 $ 283,000 $ 94,333 $ 39,000
St. Joseph, Indiana 3 $ 345,000 $ 115,000 $ 71,000
Black Hawk, Iowa 3 $ 238,000 $ 79,333 $ 0
Linn, Iowa 3 $ 314,000 $ 104,666 $ 9,000
Pottawattamie, Iowa 3 $ 271,000 $ 90,333 $ 54,000
Scott, Iowa 3 $ 290,000 $ 96,666 $ 0
Butler, Kansas 3 $ 357,000 $ 119,000 $ 0
Douglas, Kansas 3 $ 263,000 $ 87,666 $ 42,000
Shawnee, Kansas 3 $ 374,000 $ 124,666 $ 34,000
Androscoggin, Maine 3 $ 366,000 $ 122,000 $ 0
Kennebec, Maine 3 $ 128,000 $ 42,666 $ 67,000
Penobscot, Maine 3 $ 280,000 $ 93,333 $ 0
Caroline, Maryland 3 $ 440,000 $ 146,666 $ 61,000
Kent, Maryland 3 $ 311,000 $ 103,666 $ 47,000
Somerset, Maryland 3 $ 261,000 $ 87,000 $ 55,000
Washington, Maryland 3 $ 500,000 $ 166,666 $ 79,000
Berkshire, Massachusetts 3 $ 820,000 $ 273,333 $ 20,000
Nantucket, Massachusetts 3 $ 2,050,000 $ 683,333 $ 130,000
Ogemaw, Michigan 3 $ 277,000 $ 92,333 $ 9,000
St. Clair, Michigan 3 $ 513,000 $ 171,000 $ 55,000
Todd, Minnesota 3 $ 474,000 $ 158,000 $ 16,000
Harrison, Mississippi 3 $ 283,000 $ 94,333 $ 35,000
Jackson, Mississippi 3 $ 313,000 $ 104,333 $ 0
Rankin, Mississippi 3 $ 340,000 $ 113,333 $ 0
Greene, Missouri 3 $ 316,000 $ 105,333 $ 77,000
Ravalli, Montana 3 $ 397,000 $ 132,333 $ 55,000
Grafton, New Hampshire 3 $ 268,000 $ 89,333 $ 10,000
Sullivan, New Hampshire 3 $ 1,598,000 $ 532,666 $ 13,000
Broome, New York 3 $ 310,000 $ 103,333 $ 0
Delaware, New York 3 $ 382,000 $ 127,333 $ 161,000
Greene, New York 3 $ 210,000 $ 70,000 $ 5,000
Putnam, New York 3 $ 922,000 $ 307,333 $ 132,000
Ulster, New York 3 $ 618,000 $ 206,000 $ 56,000
Warren, New York 3 $ 348,000 $ 116,000 $ 0
Alamance, North Carolina 3 $ 246,000 $ 82,000 $ 24,000
Forsyth, North Carolina 3 $ 289,000 $ 96,333 $ 24,000
Guilford, North Carolina 3 $ 659,000 $ 219,666 $ 134,000
Delaware, Ohio 3 $ 684,000 $ 228,000 $ 21,000
Lake, Ohio 3 $ 435,000 $ 145,000 $ 76,000
Licking, Ohio 3 $ 561,000 $ 187,000 $ 47,000
Lorain, Ohio 3 $ 328,000 $ 109,333 $ 46,000
Summit, Ohio 3 $ 316,000 $ 105,333 $ 66,000
Benton, Oregon 3 $ 381,000 $ 127,000 $ 14,000
Clatsop, Oregon 3 $ 317,000 $ 105,666 $ 179,000
Crook, Oregon 3 $ 167,000 $ 55,666 $ 56,000
Klamath, Oregon 3 $ 340,000 $ 113,333 $ 65,000
Malheur, Oregon 3 $ 142,000 $ 47,333 $ 74,000
Centre, Pennsylvania 3 $ 212,000 $ 70,666 $ 22,000
Lackawanna, Pennsylvania 3 $ 254,000 $ 84,666 $ 0
Lebanon, Pennsylvania 3 $ 379,000 $ 126,333 $ 81,000
Washington, Pennsylvania 3 $ 292,000 $ 97,333 $ 87,000
Wayne, Pennsylvania 3 $ 407,000 $ 135,666 $ 0
Charleston, South Carolina 3 $ 293,000 $ 97,666 $ 53,000
Williamson, Tennessee 3 $ 679,000 $ 226,333 $ 112,000
Wilson, Tennessee 3 $ 454,000 $ 151,333 $ 48,000
Bastrop, Texas 3 $ 385,000 $ 128,333 $ 27,000
Comal, Texas 3 $ 269,000 $ 89,666 $ 41,000
Grayson, Texas 3 $ 247,000 $ 82,333 $ 115,000
Hunt, Texas 3 $ 240,000 $ 80,000 $ 44,000
Johnson, Texas 3 $ 337,000 $ 112,333 $ 118,000
Smith, Texas 3 $ 354,000 $ 118,000 $ 18,000
Cache, Utah 3 $ 178,000 $ 59,333 $ 0
Wasatch, Utah 3 $ 576,000 $ 192,000 $ 227,000
Bennington, Vermont 3 $ 406,000 $ 135,333 $ 0
Franklin, Vermont 3 $ 460,000 $ 153,333 $ 80,000
Arlington, Virginia 3 $ 1,190,000 $ 396,666 $ 280,000
Augusta, Virginia 3 $ 474,000 $ 158,000 $ 80,000
Frederick, Virginia 3 $ 292,000 $ 97,333 $ 52,000
Roanoke City, Virginia 3 $ 185,000 $ 61,666 $ 94,000
Stevens, Washington 3 $ 417,000 $ 139,000 $ 69,000
Columbia, Wisconsin 3 $ 248,000 $ 82,666 $ 21,000
Baldwin, Alabama 2 $ 217,000 $ 108,500 $ 0
Blount, Alabama 2 $ 210,000 $ 105,000 $ 0
Elmore, Alabama 2 $ 179,000 $ 89,500 $ 0
Limestone, Alabama 2 $ 175,000 $ 87,500 $ 0
Morgan, Alabama 2 $ 181,000 $ 90,500 $ 0
Gila, Arizona 2 $ 209,000 $ 104,500 $ 22,000
Graham, Arizona 2 $ 75,000 $ 37,500 $ 52,000
Benton, Arkansas 2 $ 258,000 $ 129,000 $ 26,000
Craighead, Arkansas 2 $ 167,000 $ 83,500 $ 0
Faulkner, Arkansas 2 $ 169,000 $ 84,500 $ 0
Jefferson, Arkansas 2 $ 180,000 $ 90,000 $ 0
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Mortgage Loan Application Detail Totals for Staten Island Bank & T C/O Icb in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 7,328 $1,450,407,000 $158,448 $3,250,000 $53,183 $3,118,000
Home Purchase 7,001 $1,138,209,000 $131,829 $3,000,000 $66,914 $4,171,000
Home Improvement 49 $7,684,000 $144,066 $455,000 $46,200 $181,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 9,742 $1,702,849,000 $144,061 $3,250,000 $57,204 $2,424,000
Not Provided 1,409 $272,578,000 $159,363 $1,500,000 $61,590 $3,118,000
Hispanic 1,053 $187,622,000 $134,100 $805,000 $58,433 $941,000
Asian 843 $211,346,000 $201,206 $1,300,000 $70,655 $2,947,000
Black or African American 835 $128,490,000 $119,973 $1,000,000 $47,763 $4,171,000
Not applicable 403 $76,920,000 $157,000 $600,000 $68,555 $622,000
American Indian or Alaskan Native 49 $8,086,000 $142,529 $413,000 $42,294 $119,000
Native Hawaiian or Other Pacific Islander 44 $8,409,000 $132,818 $527,000 $48,636 $205,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 12,938 $2,407,372,000 $150,458 $3,250,000 $71,250 $4,171,000
FHA-insured (Federal Housing Administration) 1,251 $159,766,000 $125,904 $347,000 $19,595 $435,000
VA-guaranteed (Veterans Administration) 183 $28,184,000 $146,500 $320,000 $35,428 $116,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $978,000 $153,000 $310,000 $44,250 $112,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 8,788 $1,547,726,000 $139,085 $3,250,000 $53,808 $3,118,000
Application Approved But Not Accepted 2,331 $458,388,000 $159,878 $2,000,000 $70,219 $1,282,000
Application Withdrawn By Applicant 1,515 $296,675,000 $152,391 $2,893,000 $54,543 $2,424,000
Application Denied By Financial Institution 1,202 $202,176,000 $150,568 $1,500,000 $65,977 $4,171,000
Loan Purchased By The Institution 497 $82,210,000 $151,518 $780,000 $55,555 $399,000
File Closed For Incompleteness 45 $9,125,000 $179,272 $800,000 $98,818 $339,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other 363 $60,524,000 $157,843 $1,000,000 $76,437 $4,171,000
Credit History 359 $61,942,000 $154,513 $1,500,000 $49,027 $732,000
Collateral 277 $47,642,000 $169,769 $1,490,000 $93,076 $640,000
Debt-To-Income Ratio 141 $19,850,000 $133,476 $568,000 $54,428 $191,000
Employment History 42 $7,619,000 $189,500 $595,000 $89,875 $212,000
Insufficient Cash (Downpayment, Closing Cost) 19 $4,394,000 $208,222 $1,219,000 $71,777 $420,000
Unverifiable Information 1 $205,000 $205,000 $205,000 $76,000 $76,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Staten Island Bank & T C/O Icb's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Staten Island Bank & T C/O Icb's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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